^^
Let's say the summer car is newer (than the winter beater) and has only liability coverage for the winter hibernation period. Is emergency vehicle switching coverage automatic or this is something that has to be pre-arranged with the insurance agent?

And what if the winterbeater dies on a friday evening when the insurance office is already closed for business and you cant call the agent to advise you're switching vehicles, can I just pull the summer car out of the garage and use it all week end long? Would I be covered and to what extent is the coverage?